There are also many small partners asking, is the cost performance of Ruihua Yiyue Worry-Free Lifelong Care Insurance really that high? Is it really worth buying?
Today, senior school sister will take Ruihua Yiyue's worry-free lifelong care insurance to analyze this matter with everyone.
The length of this article may not be short. If you are pressed for time and want to do other things, you might as well read the following article.
How about "2022 Ruihua Yiyue Worry-free Lifelong Care Insurance"? Look before you do it! 》
1. What are the protections of Yi Yue Worry-Free Lifelong Care Insurance?
As usual, let's take a look at the product protection map first:
From this full coverage map, we can know that the coverage of Yiyue Worry-Free Lifelong Care Insurance is still very comprehensive. Therefore, in order to give you a deeper understanding of this product, Senior Sister chose to carefully analyze Yiyue Worry-Free Lifelong Care Insurance from two aspects: insurance rules and protection contents.
1, analysis of insurance rules
Joy Worry-Free Lifelong Care Insurance supports people born between 28 days and 65 years old. The guarantee period is life, the payment period is five years, and the waiting period is 180 days.
Yiyue Worry-Free Lifelong Care Insurance does not have such a big restriction on the age of insurance, because most products of the same type have the highest insurance age of over 60 years old. In contrast, Yi Yue worry-free life-long care insurance is quite satisfactory for people aged 60-65.
Undeniably, the guarantee period of this product is too fixed, although lifetime guarantee can give the insured a stable and long-term guarantee. However, the premium is relatively high, and if the insured's budget for the premium is insufficient, it may cause economic burden.
Then in addition to the guarantee period, we actually have a doorway when choosing the payment period. If you don't know much about this, you can check out this dry goods knowledge through the link:
"How to choose the payment period so as not to lose money? 》
2. Security content analysis
The coverage of Yi Yue Worry-Free Lifelong Care Insurance includes sickness death insurance and nursing insurance.
When the insured reaches the age of 18, and dies of illness before the anniversary date of the first policy (excluding that date), the insurance company will pay compensation with the greater premium paid and cash value, and the contract will be terminated.
If the insured dies of illness after the first policy anniversary (including the day) when he reaches the age of 18, but before the payment expires (excluding the day), the insurance company will pay the premium paid * which is greater than the corresponding coefficient and cash value, and the contract will be terminated.
If the insured dies of illness after 18 years of age (including that day), the insurance company will pay the premium paid * corresponding coefficient, cash value and effective insurance amount, and the contract will be terminated at the same time.
At the same time, if the insured loses the ability of daily living due to illness during the guarantee period and continues until the end of the observation period, he can also get nursing insurance money. However, according to the age difference of the insured, in this case, the insurance company will also pay the nursing insurance money in different ways.
Seeing this, I believe you have learned about Yiyue Worry-Free Lifelong Care Insurance. So what are the highlights of this product? Please continue reading!
2. Is the value of Yi Yue Worry-Free Lifelong Care Insurance worth insuring?
One of the most striking features of Yi Yue Worry-Free Lifelong Care Insurance is that the coverage of this product is set in an incremental way. However, the increasing proportion of the insured amount of this product is directly stipulated as 3.5%, which means that the insured can still have more and more adequate protection with the passage of the protection time.
Not only that, because this worry-free life-long care insurance also includes the function of insurance reduction, the insured can get the cash value corresponding to the insurance reduction in this way. In this way, Yi Yue Worry-Free whole life insurance can also bring certain benefits to the insured. At the same time, with the extension of the guarantee time, the benefits that the insured can obtain will gradually increase.
On the whole, Yi Yue Worry-Free Lifelong Care Insurance has a short guarantee period, but the coverage content is very sufficient, and it can also bring certain benefits to the insured, which can be regarded as a nursing insurance with bright spots.
As for whether it is worth buying, it depends on personal safety needs. If you can meet your own security needs, then you can consider starting with this product.
In addition, if you want to manage your finances through insurance, you can also study the following products ~
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
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